Texas Bay Credit Union is a Houston-based financial institution offering a range of services including mobile banking, insurance plans, loans, and financial education. Their target audience includes individuals and businesses in specific Texas counties and select employer groups. The unique selling proposition (USP) is their member-owned, not-for-profit model, providing benefits like reduced fees, higher dividends, and community-focused financial solutions. Members enjoy access to over 55,000 surcharge-free ATMs and shared branching services. Texas Bay emphasizes personalized financial growth and security, with federally insured deposits up to $500,000[1][3][5].